Singula Decisions
A new product line
Recovery
HUB · v.2026.05
Decisioning layer · subscription operators
Singula Recovery

Failed payments, finally recovered.

Failed payments aren't a workflow problem — they're a decisioning problem. Singula Recovery sits above any billing platform and decides which customers to chase hard, which to chase softly, which to write off, and exactly when to retry — per customer, per failure. We're paid on what we recover.

The Recovery Toolset
07 tools · all planned
  1. 01

    Recovery Console

    The wedge. Single-screen daily view of failed payments with intelligent retry recommendations, channel and tone selection, and projected recovery against the fixed-schedule baseline. The CFO-facing demo.

    Finance ops · daily workbench
    Open· Pitch·
  2. 02

    Pre-Failure Radar

    Predicts which customers' next payment will likely fail and recommends pre-failure intervention — card update prompts, payment method nudges, light-touch retention outreach before the issuer ever sees a decline.

    Risk · pre-emption
    Open· Pitch·
  3. 03

    Bad Debt Triage

    Ranks every overdue and at-risk customer by probable recoverability, separates voluntary from involuntary churn, and recommends per-case treatment — chase hard, chase soft, suspend, refer, write off, retain.

    Finance ops · case management
    Open· Pitch·
  4. 04

    Voluntary × Involuntary Splitter

    The first defensible separation of voluntary and involuntary churn — diagnostic, reportable, board-ready. Stops operators conflating two churn drivers that need opposite interventions.

    CFO · diagnostics
    Open· Pitch·
  5. 05

    Treatment Library Designer

    Visual canvas for designing and tuning dunning treatments — retry timing, channel, tone, escalation, deflection — with a simulation layer that projects recovery and churn impact before any treatment goes live.

    Operations · configuration
    Open· Pitch·
  6. 06

    Recovery Treasury

    Whole-platform portfolio view. Total failed-payment volume, recovery-rate trend, recovered revenue, treatment-library effectiveness, voluntary-vs-involuntary split, top movers. The CFO portfolio dashboard.

    CFO · portfolio view
    Open· Pitch·
  7. 07

    Recovery Copilot

    Natural-language interface for finance-ops teams to interrogate the failed-payment estate, segment customers, and orchestrate treatment changes through conversation rather than dashboards.

    Finance ops · conversational
    Open· Pitch·